NIACOG Housing Trust Fund Our mission is to enhance the
affordable housing stock and
its availability to low to moderate income
program is for malfunctioning
furnaces, malfunctioning water
heaters, handicapped ramps, and other
emergencies. The household must
include a senior citizen (62+) and/or
a disabled person. The home must be
located in Cerro Gordo, Floyd,
Franklin, Hancock, Kossuth, Mitchell,
Winnebago, or Worth County. Emergency
Project Application (Word)
Repair Application - Cerro
This program takes on
a wider range of essential home repairs
projects include severely
dilapidated roof, handicapped
access, or non-functioning:
plumbing, electrical, furnace, hot
water heater, or water/sewer line.
Projects average about $6,000. The
home must be located in Cerro
Gordo County. If children under 6
years of age live in the home,
additional funding may be
available through the Cerro Gordo
Public Health Department's
- 2018 If your home
needs a major overhaul, this is the
program for you. This application will
get you on the 2018 list for major
overhaul home repair projects that
include multiple features like roof
replacement, vinyl siding, electrical
service upgrade, furnace replacement,
wall repair, and leaking basement
repair. This program will average
$24,000 per project with a minimum
construction cost of $20,000 per project.
If you sign up for this program now, you will be contacted
when funds become available for 2018. To
receive a funding award you will be
required later to complete a full
application. Implementation of this round
is subject to funding award from the
Federal Home Loan Bank, which will be
announced in December 2017.
Pre-Application (Word) (PDF)
Housing Repair Application
repair for rental housing in Cerro
Gordo County. Projects primarily
include exterior improvements such
as siding/painting, window
replacement, replacement of front
steps, demolition of garages in poor
condition or other repairs that
focus on badly needed exterior
rehabilitation. Large projects of
$20,000 or more are preferred, but
not required. This program can be
used in combination with the Cerro
Gordo Public Health Lead Abatement
Program described below. Contact
NIACOG if you would like to be
added to the mailing list for any
future funding rounds. Rental
Housing Repair Application (Word)
Not eligible? If your project
is not eligible for our Programs, please
refer to the 'Other
at the bottom of this page.
& AFTER PHOTOS
Am I Eligible for Owner-Occupied
Home Repair Assistance?
To be eligible for
assistance your home must:
located in a program eligible county. See
eligible counties for respective program
descriptions listed above (1-3).
owned by you.
eligible repair need.
Projects are limited to true
emergencies (for example: furnace or hot
water heater not working or handicapped
Repair Projects can include:
or hazardous situation with: plumbing,
electrical, furnace, hot water heater,
or water/sewer line
of deteriorated siding, windows, doors,
of window screens or sump pump/backflow
access (ramp, bathroom, door widening)
current on house payments.
insured (homeowners insurance).
For Emergency Projects only, a senior
citizen or disabled person MUST be
living in the home.
Limits (maximums) for owner-occupied projects:
Cash Asset Limit $25,000
Do I have to pay back
functions like a grant and repayment is not
required unless the
home is sold (or refinanced with
funds paid out) within 5 years.
1/60th of the
loan is forgiven each month for 5 years
without payment as long as ownership
What is the process?
FOR EMERGENCY REPAIR
PROJECTS: You complete the application
supply bids from contractors. NIACOG
determines eligibility, inspects repairs,
and pays the contractor if eligible.
FOR HOME REPAIR /
OVERHAUL PROJECTS: Your first step is to
If your Pre-Application looks eligible, a full
be mailed to you when funds become
available for your project. Please note
that the application may not be sent
until December, but could possibly be
sooner if current funding is still
available. After your full application is
NIACOG staff will determine your
eligibility and inspect the requested repairs.
After that, bids are taken from local
contractors, and a contractor is hired to
complete the job Contractors must
be registered with the state of Iowa to be
eligible for hiring.
What sources fund
These programs are
made possible through the generous support
Loan Bank Of Des Moines
Clear Lake Bank
Community Credit Union
United Way of
North Central Iowa
Cent Credit Union
What organizations work together
to implement this program?
agencies assist with the staffing, marketing,
and/or implementation of the NIACOG
Housing Trust Fund programs.